Targeted Support

Build your financial confidence with an investment recommendation from our Targeted Support service.

HSBC UK
Investing
Targeted Support

What's Targeted Support?

Thinking about investing and want to explore ways to make your money work harder? Our Targeted Support service can help you take the first step – available only in the latest version of our app.

Just answer a short series of questions to get a free, practical investment recommendation based on people like you. Investment fees and charges only apply if you decide to invest. Find out more about fees.

Remember, investments can go down as well as up, so you might get back less than you invest.

Targeted Support isn't personal financial advice

If you have more complex financial needs, you could consider financial advice, where you pay a qualified adviser to review your individual circumstances.

You can get financial advice with HSBC if you've got £100,000 or more in savings and investments.

1. Start with investing basics

First, we encourage you to explore why investing your money could be a smart move.

2. Check if you’re ready to invest

We ask you a few simple questions to help you understand if investing is right for you. We'll let you know if we don’t think you’re quite ready yet.

3. Take our Investor Style Quiz

Next, we ask you a handful of questions to help us recommend an Investor Style and an HSBC ready-made portfolio designed for people like you.

4. Make your investment

Finally, if you decide the recommendation is right for you, choose whether to invest with a stocks and shares ISA or a general investment account. Not sure which to choose? Read about the difference, or learn more when you open the account.

Help with investing

Get support choosing an investment, so you don't feel like you're doing it alone.

Get a free investment recommendation

Based on your answer, we'll provide an Investor Style and recommend a portfolio that suits you.

Build your financial confidence

Feel sure that your investment decision is right for you.

Who can invest with Targeted Support?

You'll need the latest version of the app.

If you'd like to invest after using Targeted Support, you'll need to make sure:

You're between 18 and 74 years old
You have an HSBC current account or savings account (excluding the Online Bonus Saver, Fixed Rate Saver and any HSBC Cash ISA)
You're a UK tax resident with a permanent UK residential address
You aren't a US national/citizen/resident (eg a US passport or green card holder)
You have at least £50 to invest
You’re ready to invest, based on the Targeted Support checks

You should aim to invest for at least 5 years, but your money isn't locked away – you can sell your investments, and the money will usually be in your account within 4 business days.

Before you invest, you should build up 3-6 months of living costs to fall back on, so that you're less likely to dip into your investment to cover for anything unexpected.

For full eligibility, read the terms and conditions.

HSBC Targeted Support Terms and Conditions (PDF) Download

Go to Targeted Support

Already an HSBC customer?

Open the HSBC Mobile Banking app to get started
Select ‘Save & Invest’ and then ‘Getting more from your money'

Scan the QR code to open the app

Log on and apply

New to HSBC?

To invest with us, first you’ll need to open an HSBC current or savings account and register for online banking.

Frequently asked questions

Many customers are looking for guidance with their finances. But paying for personal financial advice isn’t always necessary or worthwhile for them. With Targeted Support, you get a free investment recommendation to help you with investment decisions. Account and investment fees apply only if you choose to invest.

Targeted Support is not financial advice. It does not consider your full financial circumstances.

No, Targeted Support is not personal to any individual’s circumstances. It’s not personal financial advice.

It doesn’t consider or review your full individual needs or wider circumstances
It doesn’t recommend which account you should use for your investment
You won’t receive support from a financial adviser

Personal financial advice is a paid-for service that offers tailored recommendations after a detailed review of your finances, goals and attitude to risk. A qualified adviser will take the time to get to know you, understand your circumstances and talk through your options. They can then recommend an investment approach that’s right for you, backed by expert insight.

If that sounds helpful and you have £100k or more in savings and investments, you can go to personalised financial advice to find out more.

Yes, our Targeted Support service is free to use, and you’ll receive a free recommendation. However, investment fees and charges will apply if you decide to invest.

You’ll pay an account fee of 0.25% per year, calculated on the average value of the investments held in your investment account. This fee is charged in line with the account terms.

The funds you invest in may also have charges set by the fund manager. You won’t pay these charges separately. Instead, they’re reflected in the value of your investment and will reduce its returns. The relevant charges will be shown in the Costs and Charges document provided when you invest in the fund.

A ready-made portfolio is one way to invest. It’s a mix of investments grouped together in one package by a professional fund manager and their team, so you can invest without any hassle.

Targeted Support offers 1 of 3 HSBC portfolio recommendations. Each Portfolio is different and is based on the Investor Style recommended for people like you. If you choose to invest in a recommended portfolio, you’ll be asked to open a stocks and shares ISA or general investment account (GIA) to hold your portfolio in.

Stocks & shares ISA (Individual Savings Account)

This is an account that you can open for your investments.

You can invest up to £20,000 each tax year without paying any UK income tax or capital gains tax on any income or growth.

You can open a stocks & shares ISA if:

you don’t already have a stocks & shares ISA for the current tax year (you can still have a cash ISA or another type of ISA)
you’ve not reached your £20,000 ISA limit for the current tax year

Keep in mind, tax rules can also change and any benefits will depend on your individual circumstances.

General investment account (GIA)

A general investment account is a basic investment account with no tax-efficiencies. You can choose to open a GIA if:

you already have another stocks & shares ISA this tax year, or
you've reached the overall £20,000 ISA limit
this is your preferred option

Targeted Support will only recommend 1 of 3 HSBC portfolios. If you’d like more options, you can explore our full range of investments.

Targeted Support

What's Targeted Support?

Targeted Support isn't personal financial advice

How Targeted Support works

1. Start with investing basics

2. Check if you’re ready to invest

3. Take our Investor Style Quiz

4. Make your investment

Why invest with Targeted Support?

Help with investing

Get a free investment recommendation

Build your financial confidence

Who can invest with Targeted Support?

Go to Targeted Support

Already an HSBC customer?

New to HSBC?

Frequently asked questions

What do I get with Targeted Support?

Is Targeted Support personalised to me?

Is Targeted Support free to use?

What is a ready-made portfolio?

What's a stocks & shares ISA or a general investment account (GIA)?

Are there other investment options available outside of my recommendation?

You might also be interested in

Investing for beginners

Saving vs investing

Is investing worth the risk?

Customer support